Union County and Summit City property record for 20 Midland Ter, Summit, NJ 07901
| Property Type | Single Family Home |
|---|---|
| Details | 2,304 sqft · built 1936 |
| Lot Size | 0.168 acres (7,318 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,360,000 (Jul 2022) |
| Tax Bill | $16,520 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Jul 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-04706-0000-00001 |
| Primary APN | 18-04706-0000-00001 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,304 sqft Living Area |
| Year Built | Built 1936 |
|---|---|
| Effective Year Built | Effective 1936 |
| Construction Type | Frame |
| Lot Area | 7,318 sqft (0.168 acres) |
| Old Parcel Number | 1800095D00001 |
|---|---|
| Street Address | 20 MIDLAND TER |
| City | SUMMIT |
| State | NJ |
| Zip | 07901-3245 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6 |
| Legal Subdivision | MIDLAND TERRACE |
| Legal Block | 4706 |
| Legal Lot Number | 1 |
| Jurisdiction | UNION NJ |
| Township / Civil Division | SUMMIT |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 37900 |
Source: Union County and Summit City records, as of July 8, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 20 MIDLAND TER, SUMMIT, NJ 07901-3245 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 3, 2022 | Deed of Trust, Mortgage · Conventional Mortgage HSBC BANK USA |
| Jul 7, 2022 | Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Sep 6, 2019 | Deed, Transfer NRT TITLE AGENCY LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 7, 2022 · Amount on Record |
| Deed Sale | Jul 7, 2022 · Amount on Record |
| Prior Sale | Sep 6, 2019 · Amount on Record |
| Deed Document Number | 202219928 |
| Deed Book / Page | 6471 / 2533 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NJ |
| Property Address | 20 MIDLAND TER, SUMMIT, NJ 07901-3245 |
| Transaction Type | Mortgage |
| Record Updated | Apr 7, 2023 |
| Title Company | WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0151580231 |
|---|---|
| Date | Feb 3, 2022 |
| Book Page | 15158/231 |
| Instrument | 30962 |
| Name | HSBC BANK USA |
|---|---|
| Type | Bank |
| Address | NEW YORK, NY 10001 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.94% |
| Type Change Date | Feb 1, 2027 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 4.94% |
| Index | Other |
| Margin | 3 |
| Max Rate | 7.94% |
| Document Type | Deed |
|---|---|
| Jurisdiction | UNION NJ |
| Recording Date | Jul 7, 2022 |
| Property Address | 20 MIDLAND TER, SUMMIT, NJ 07901-3245 |
| Document Number | 0064712533 |
| Book / Page | 6471 / 2533 |
| Instrument Date | Jun 17, 2022 |
| Instrument | 19928 |
| Transaction Type | Transfer |
| Record Updated | Apr 7, 2023 |
| Title Company | SIMPLICITY TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $27,531.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 20 MIDLAND TER, SUMMIT, NJ 07901-3245 |
| Name | Verified Name |
|---|---|
| Address | 20 MIDLAND TER, SUMMIT, NJ 07901-3245 |
| Document Number | 0000039876 |
|---|---|
| Date | Jul 7, 2022 |
| Instrument | 39876 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | UNION NJ |
| Recording Date | Sep 6, 2019 |
| Property Address | 20 MIDLAND TER, SUMMIT, NJ 07901-3245 |
| Document Number | 0063380632 |
| Book / Page | 6338 / 0632 |
| Map Reference | MAP 215-F |
| Instrument Date | Aug 23, 2019 |
| Instrument | 316818 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2022 |
| Title Company | NRT TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $7,199.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 115 DIVISION AVENUE, 115, NEW PROVIDENCE, TX |
| Name | Verified Name |
|---|---|
| Address | 20 MIDLAND TER, SUMMIT, NJ 07901-3245 |
| Investor | Possibly a Property Investor |
Source: Union County and Summit City assessment roll, as of July 8, 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Union County |
| Municipality | Summit City |
| Unified School District | Summit City School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $369,500 (-) Land $196,800 Building $172,700 | $369,500 (-) Land $196,800 Building $172,700 | |
| 2025 | $16,520.00 (+2.64%) | $369,500 (-) Land $196,800 Building $172,700 | $369,500 (-) Land $196,800 Building $172,700 |
| 2024 | $16,095.00 (+1.71%) | ||
| 2023 | $369,500 Land $196,800 Building $172,700 | $369,500 Land $196,800 Building $172,700 | |
| 2022 | $15,825.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective September 24, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 12 (1979–2021) |
| Claims Outside the SFHA | 4 of 12 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 65% of New Jersey |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NJ AMERICAN WATER - SHORT HILLS private · serves 217,230 people · EPA ID NJ0712001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2022 |
| Lead | 3 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 113 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| Starlink Satellite | 280 / 30 |
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